Call Chase fraud reporting at 1-800-935-9935 to report unauthorized charges

If you see charges on your Chase credit card that you did not make, call 1-800-935-9935 when ready. This is Chase's dedicated fraud line, and it operates 24 hours a day, 7 days a week. Have your card in front of you when you call, and be ready to describe each suspicious charge — the merchant name, the dollar amount, and the date it appeared.

Chase will ask you to confirm your identity, usually by providing your Social Security number or other personal details. After you report the fraud, the bank will typically cancel your current card and send you a replacement within 7 to 10 business days. You will not be responsible for unauthorized charges once you report them, even if the fraudster used your card before you noticed.

If you cannot reach the fraud line or prefer to report in writing, you can also mail a signed letter to Chase describing the fraudulent charges. However, calling is faster and creates an when ready record of your report.

Key Takeaways

  • Chase's fraud reporting number is 1-800-935-9935, available around the clock every day of the year.
  • You are not liable for unauthorized charges once you report them to Chase, even if the fraudster used your card for days or weeks.
  • Have your card number and a list of suspicious charges ready before you call, so the conversation moves quickly.
  • Chase will cancel your current card and mail a replacement, which usually arrives within 7 to 10 business days.
  • If you spot fraud on your statement but have not yet received your physical card, you can still report it by phone using your account number.

What happens after you report the fraud

Once you hang up from the fraud line, Chase opens a dispute on your account. The bank will investigate the charges you reported, which typically takes 10 business days. During this time, the fraudulent charges remain on your statement, but you do not have to pay them while the investigation is underway.

Chase will send you a new card in the mail with a different card number. You should destroy your old card once the replacement arrives. If you have automatic payments set up — such as a streaming service or utility bill — you will need to update those merchants with your new card number to avoid missed payments.

After the investigation closes, Chase will send you a letter explaining the outcome. If the bank confirms the charges were fraudulent, they will remove them from your account and credit your statement. If Chase determines the charges were authorized, the bank will explain why and you can dispute the decision further.

Protecting your card from fraud in the future

After you report fraud, take steps to prevent it from happening again. Check your credit report through AnnualCreditReport.com — the only free, official source for your credit report from all three bureaus (Equifax, Experian, and TransUnion). Look for accounts you did not open or inquiries you did not authorize, which can signal identity theft beyond just card fraud.

Consider placing a fraud alert or credit freeze on your credit file. A fraud alert tells lenders to verify your identity before opening new accounts in your name, and it lasts one year. A credit freeze locks your file so no one can open accounts without your permission, and it stays in place until you remove it. Both are free and take minutes to set up by contacting any of the three credit bureaus.

Enable transaction alerts on your Chase account through the Chase mobile app or website. You can set alerts for any charge over a certain dollar amount, or for all charges in a specific category. These alerts arrive by text or email within minutes of a transaction, so you catch fraud faster.

If your card number was compromised but not yet used

Sometimes you learn your card number was stolen — for example, from a data breach at a retailer — but no fraudulent charges have appeared yet. You do not need to call the fraud line in this case. Instead, call Chase's main customer service line at 1-800-935-9935 (the same number, but tell the representative you want to report a compromised card, not fraud). Chase will cancel your card and send a replacement as a precaution, even though no charges were made.

This is worth doing when ready because fraudsters sometimes wait weeks or months before using a stolen card number, hoping you will not notice. By requesting a replacement proactively, you eliminate that window of risk.

Disputing charges if Chase denies your fraud claim

If Chase investigates and concludes the charges were authorized — meaning the bank believes you made them or allowed someone else to — you have the right to dispute the decision. Ask Chase to send you a written explanation of why they denied your claim, and request the evidence they reviewed.

You can then file a dispute with your state's attorney general or with the Consumer Financial Protection Bureau (CFPB) at ConsumerFinance.gov. The CFPB accepts complaints about credit card companies and forwards them to Chase, which must respond within 15 business days. While the CFPB cannot force Chase to refund you, a complaint on file can pressure the bank to reconsider, and it creates a record if you decide to pursue the matter further.

Reporting fraud on a Chase card you no longer use

If you closed your Chase account years ago but now see fraudulent charges on an old statement, you can still report them. Call 1-800-935-9935 and explain that the card is no longer active. Chase may not be able to reverse charges from a closed account, but the bank will document the fraud in your account history and may refund you depending on how long ago the charges occurred and your account history with the bank.

If the charges are very old — more than a year or two — Chase may decline to investigate. In that case, you can file a complaint with the CFPB or your state attorney general, though recovery becomes less likely the further back the fraud occurred.

Frequently Asked Questions

Will I have to pay for fraudulent charges while Chase investigates?

No. Once you report the fraud, you are not responsible for those charges while the bank investigates, even if they remain visible on your statement. Chase will remove them once the investigation concludes and the charges are confirmed as fraudulent.

How long does it take to get a replacement card after I report fraud?

Chase typically mails a replacement card within 7 to 10 business days. If you need to use your card sooner, ask the representative during your fraud call whether Chase can expedite the replacement or issue a temporary card number you can use online.

What if I think someone has my card number but I have not seen charges yet?

Call Chase at 1-800-935-9935 and request a replacement card as a precaution. The bank will cancel your current card and send a new one with a different number, even though no fraud has occurred yet. This stops the fraudster from using the number later.

Can I report fraud on a Chase card through the mobile app or website instead of calling?

Chase's website and app allow you to dispute individual charges, but calling the fraud line is faster for multiple unauthorized transactions. The phone line also creates an when ready record and allows you to speak with a representative who can answer questions about your specific situation.

What should I do if Chase says the charges were authorized and I disagree?

Request a written explanation from Chase and ask for the evidence they reviewed. You can then file a complaint with the Consumer Financial Protection Bureau at ConsumerFinance.gov, which will forward it to Chase and require the bank to respond within 15 business days.